Howden’s 2025 sustainability report
Howden’s 2025 sustainability report highlights how it is helping to tackle climate and nature risks, supporting communities on the frontline of climate change.
The report demonstrates how insurance can unlock new opportunities such as supporting investment in the low-carbon transition and developing innovative solutions for emerging risks.
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Howden acquires Cybeta platform to deliver enhanced cyber insurance solutions for US Clients
Howden has announced it has acquired the intellectual property assets of Cybeta, LLC (“Cybeta”), a leading cyber data and analytics provider. The acquisition enables Howden to provide clients with faster, more precise insight into cyber risk, supporting better underwriting, placement, and claims outcomes.
Cybeta was founded in 2019 by a team of data science experts with experience in the U.S. Department of Defense (DoD) and intelligence communities to help businesses predict and prevent cyber attacks.
In addition to the acquisition, former members of Cybeta’s team also join Howden, bringing deep expertise in proactive, expert-driven cyber threat intelligence and predictive analytics to identify, analyze, and mitigate risks before they become breaches. This capability enables Howden to translate client cyber risk data into individualized, real-time risk profiles and improve insurability.
This acquisition follows the launch of Howden’s U.S. Cyber practice in January 2026, which supports clients across all aspects of cyber insurance including strategy, client service, brokerage, product development, claims and cyber risk consulting. By combining specialist advisory expertise with proprietary analytics, Howden is continuing to strengthen its ability to help clients navigate complex cyber insurance risk exposures.
Mike Parrish, CEO, Howden Americas, said: “We are investing aggressively in data, analytics, and cyber expertise, all aligned to clients’ most pressing concerns. Cybeta technology adds to that triple threat, deepening our capability to deliver meaningful insights with the urgency clients feel when it comes to cyber risk. Sector bellwethers like Juliet White and Ron Borys – who was instrumental in making this acquisition happen – are building a truly differentiated offering for clients. Much more innovation comes from these leaders and Howden’s Cyber practice.”
Juliet White, Head of Cyber, Howden US, said: “Clients with complex cyber exposures increasingly expect reliable, data-driven insight to support critical risk decisions. Cybeta’s outstanding data and analytics platform puts our clients first and deepens our advisory approach. Through the expanded solutions clients will gain a full picture of their cyber risk profile and make better informed insurance and risk management choices.”
Ron Borys, Head of Financial Lines, Howden US, said: “Cyber threats continue to evolve and remain a top risk concern for senior executives across all industries. Cybeta enhances our cyber offering by providing clients direct access to highly trained professionals with decades of experience monitoring and assessing complex cyber threats against highly targeted networks containing sensitive and valuable assets and data. This combination of highly trained and experienced professionals along with Cybeta’s proprietary cyber risk modelling and analytics technology enables Howden to deliver truly bespoke cyber risk insights that directly support and inform clients’ risk management decisions.
Howden enters Galway with the acquisition of Maven Financial Planning Limited
Howden announced the acquisition of Maven Financial Planning Limited (‘Maven’), one of Ireland’s foremost financial planning and advisory firms. This acquisition establishes Howden Ireland’s Life and Pensions advisory offering in Galway, and expands the company’s footprint on the West Coast with the addition of a second location.
Founded by Padraig Kelly and Fintan Corrigan, Maven is dedicated to providing expert advice and services across a range of areas including pensions, savings, investments, protection, and inheritance planning.
Maven’s team of eight professionals will join Howden Ireland, continuing to support and develop the firm’s strong portfolio of long-standing client relationships throughout the region.
Howden’s Financial Advisory team, launched just last year, is led by Dermot Gaskin, Managing Director. The team of over 80 and growing already manages a large volume of clients across Ireland, supporting their insurance and financial advisory needs.
Dermot Gaskin, Managing Director of Financial Advisory, Howden Ireland, said: “Maven is an excellent business that will enhance our presence not only in Life and Pensions but across the full range of financial advisory services, insurance and mortgages for clients not only in Galway and surrounding counties but across the west of Ireland. The acquisition of Maven highlights our ambitious growth strategy, supported by an exciting pipeline of transformative acquisitions planned for 2026 and beyond.
“Maven shares Howden’s values, prioritising its people and most importantly their clients to provide expert financial advice and class-leading service. As part of Howden, Maven’s clients will now be able to benefit from a suite of bespoke products and an even broader range of services. We are pleased to welcome Padraig, Fintan, and team to Howden.”
Padraig Kelly and Fintan Corrigan, Directors of Maven, commented: “We’re delighted to become part of Howden and be the company’s first office in Galway. The brand and culture at Howden match those at Maven, and we look forward to continuing to provide specialist advice supported by Howden’s scale and expertise.”
The acquisition of Maven Financial Planning Limited is subject to CBI regulatory approval.
Howden promotes Mark Ramsook to Managing Director, Global Services, Employee Benefits
Howden announced the promotion of Mark Ramsook to Managing Director, Global Services for Howden Employee Benefits. This newly created role will support continued growth and deliver a consistent, market-leading value proposition for clients across its global footprint.
Mark brings over 25 years of experience across global and domestic Employee Benefits, with a strong track record of advising clients and leading teams across multiple countries.
With rapid growth comes a clear need. This role has been created to build on our strong foundations, unlock our full potential, and drive growth towards our 2030 ambitions.
Mark will lead a global team across sales, marketing, product and proposition, aligning capabilities and tools to better support regional growth. He will continue to report to Glenn Thomas, UK CEO and Global Practice Leader of Health & Employee Benefits at Howden, working closely with him and the UK & Ireland team, regional leaders, and new colleagues in the US.
Delivering for clients
Clients will benefit from a more joined-up approach, combining global consistency with strong local expertise.
Glenn Thomas, UK CEO and Global Practice Leader of Health & Employee Benefits at Howden, commented: “After six years of rapid growth, we now operate in 40 countries, with a strengthened US presence and expanded global expertise following the addition of 1,800 colleagues from Barnett Waddingham. Our focus now is on aligning these capabilities to deliver a consistent, high-quality proposition for clients globally.”
Mark Ramsook commented: “We have built strong capability across countries. The opportunity now is to bring this together to deliver a consistent value proposition for all clients, from SMEs to multinational organisations.”
Howden to acquire Hymans Robertson’s Insurance and Financial Services Consulting Team (“IFS team”) forming Howden Insurance Actuarial and Longevity Practice
Howden, the global insurance intermediary group, has agreed to acquire the Insurance and Financial Services Consulting Team (“IFS team”) of Hymans Robertson LLP, strengthening its specialist insurance actuarial and longevity consulting capabilities.
The transaction marks the formal launch of Howden Insurance Actuarial & Longevity (Howden IAL). The new practice brings together two established teams: the Hymans Robertson IFS specialists and the insurance actuarial and longevity experts who joined Howden through the Barnett Waddingham (BW) transition.
Howden IAL will give clients access to deeper expertise, clearer technical insight and a more scaled advisory platform. It combines BW’s longstanding strength in delivering outsourced insurance actuarial services and consultancy with the Hymans IFS team’s experience supporting insurers with strategically important actuarial and risk projects, creating a best‑in‑class adviser for core insurance actuarial and longevity needs.
The formation of Howden IAL expands the range of markets and clients served across Howden’s global platform, supporting the group’s ambition to build a market‑leading insurance advisory capability with international reach.
Across the combined practice, Howden IAL will offer insurers support on pricing, capital allocation, reserving, risk and investment strategy, model validation, ALM and the management of longevity risk. The team’s collective experience will enable insurers to navigate increasingly complex regulatory, capital and market environments with more confidence and stronger specialist support.
The formation of Howden IAL brings together a team of around 90 specialist consultants, significantly increasing their capacity to support insurers across the full spectrum of insurance actuarial and longevity needs and creates new opportunities for colleagues joining Howden, reflecting the Group’s investment in high‑quality actuarial and risk talent.
Glenn Thomas, CEO and Global Practice Leader, Health & Employee Benefits, Howden, said: “This is an important development for our business and for the market. By bringing together BW’s longstanding insurance actuarial capability with the Hymans Robertson IFS team’s proven expertise in delivering strategically critical projects, we are creating a best‑in‑class advisory proposition for clients. This move is not just about capability; it is also about people. By uniting two high‑quality teams, we are investing in their long‑term development and strengthening our ability to support clients with deeper insight and a more distinctive proposition.”
Scott Eason, Managing Partner, Howden Insurance Actuarial & Longevity, said: “Today is a milestone moment for our business. By uniting two outstanding teams, we are creating an advisory capability with the breadth and depth to support every critical client need across the insurance landscape. This is a significant step in Howden’s long‑term ambition to build a world‑class insurance advisory practice.”
Jon Hatchett, Senior Partner, Hymans Robertson LLP said: “We are proud of the strength and reputation of our IFS team and are confident that the newly formed team’s combined skills and Howden’s global reach will deliver a broader service offering for insurance clients. At Hymans Robertson, as an independent partnership, and Club Vita, we’ll continue to focus on our long-term plans across the pensions, risk transfer, investment and retail wealth markets, where we see great opportunities for innovation with our clients.”
The transaction is expected to complete in the spring of 2026.
DUAL promotes Scott Sayce to Group Chief Commercial Officer
DUAL Group has announced the promotion of Scott Sayce to Group Chief Commercial Officer (CCO), reporting to Richard Clapham, CEO, DUAL Group effective from 1 April 2026. Sayce will also join the DUAL Group Executive Committee (GEC). Previously Group Chief Innovation Officer, Sayce joined DUAL in 2024.
Clapham said: “Scott has made a significant contribution to DUAL since he joined us two years ago, bringing with him a wealth of industry experience. Scott combines a deep understanding of underwriting with a truly commercial outlook. In his new role, he will continue to drive our innovation agenda as well as ensuring that our strategy remains focused on how we can add real and tangible value to our strategic partners. Most recently, Scott has collaborated closely with our regional teams to launch new global cyber capacity, which is now available in multiple geographies, offering better solutions for our brokers and their clients.
“I am particularly pleased we were able to fill this key role from within as it speaks to the quality of talent in DUAL. Scott will be joining the GEC, taking over the role of CCO from Darren Doherty who is retiring from DUAL after 8 years in the role, and a successful career spanning over 30 years in the insurance industry. We wish Darren all the very best for the next exciting chapter in his life.”
Sayce added: “This is a tremendous opportunity in a fantastic business, and I am proud to take up this opportunity to help drive our strategy and oversight of our new initiatives. DUAL has a dynamic, entrepreneurial environment where people are trusted to innovate, to take ownership and make a real impact and we will continue to focus on building stronger and deeper relationships with our strategic partners.”
Howden strengthens partnership with Emirates GBR SailGP Team as Tier 2 Global Partner
Howden today announces the elevation of its partnership with the Emirates Great Britain SailGP Team (“Emirates GBR”) to Tier 2 Global Partner, marking an enhanced commitment for the remaining two years of the partnership.
This upgraded partnership underscores the strong strategic alignment between Howden and Emirates GBR, bringing together two organisations driven by ambition, innovation and performance. Howden joined Emirates GBR at the start of the Rolex SailGP Championship 2025 Season, during which the team made history by completing an unprecedented treble: winning the Season Championship, SailGP’s Impact League, and finishing top of the overall points leaderboard.
That momentum has carried into 2026. The 2026 Rolex SailGP Championship marks the league’s most ambitious calendar to date, featuring 13 events across five continents over 12 months.
As a Tier 2 Global Partner, Howden will see increased brand visibility across the SailGP calendar, showcasing its expertise across Marine, Sport & Entertainment and Specialty to a global audience. The partnership reflects Howden’s role as a trusted partner delivering meaningful outcomes for clients and communities alike.
Beyond elite performance, the partnership is united by a shared commitment to environmental stewardship, diversity and social impact. As back-to-back winners of SailGP’s Impact League, Emirates GBR continues to deliver positive change on and off the water, inspiring the next generation through collaboration and innovation.
A key example of this shared purpose is Howden’s support of the STEM Crew Live event, delivered through Emirates GBR’s Purpose Partner, the 1851 Trust, at the Emirates Great Britain Sail Grand Prix in Portsmouth in July 2025. The programme engaged 120 local students, using the science of high-performance sport to spark interest in STEM subjects and broaden future career pathways.
Richard Haines, Divisional CEO, Howden Specialty, said: “We are extremely proud to have become a Tier 2 Global Partner with Emirates GBR. We’re two brands with much in common – we’re passionate about what we do, we believe in the power of teamwork and together we’re ambitious to make a global impact. Whether that means competing on the world stage or inspiring young people to push the boundaries through our work with the 1851 Trust in Portsmouth. Already the season’s shaping up to be a thriller, with a fine win for Emirates GBR in Perth and we are backing the team to go all the way in 2026.”
Sir Ben Ainslie, CEO of Emirates GBR, echoed this sentiment: “We are delighted to elevate our partnership with Howden following a hugely successful first year together, both on and off the water. From the very beginning, it was clear that our values aligned as we collaborated to deliver a wide range of purpose-driven events spanning business, education, and sport. On the water, Howden’s expertise in insuring our F50 race boat provides the confidence and security that allows the team to focus entirely on performance and winning at the highest level of SailGP.”
Howden: Άντληση κεφαλαίων 703 εκ. δολ μέσω της έκδοσης ομολόγων
Επιτυχή άντληση κεφαλαίων ύψους 703 εκατομμυρίων δολαρίων μέσω της έκδοσης ομολόγων ολοκλήρωσε ο όμιλος Howden. Η κίνηση αυτή αποτελεί επέκταση προηγούμενης δανειακής σύμβασης και αποσκοπεί στην ενίσχυση της στρατηγικής ανάπτυξης και των μελλοντικών επενδύσεων του ομίλου.
Ειδικότερα ο όμιλος πραγματοποίησε με επιτυχία την έκδοση συμπληρωματικών ομολόγων (add-on) ύψους 690 εκατομμυρίων δολαρίων ΗΠΑ στα υπάρχοντα Κύρια Ομόλογα (Senior Notes) ύψους 500 εκατομμυρίων δολαρίων με επιτόκιο 8,125% και λήξη το 2032, σε μια ιδιωτική προσφορά που διεξήχθη σύμφωνα με τον Κανόνα 144A και τον Κανονισμό S βάσει του Νόμου περί Κινητών Αξιών του 1933, όπως τροποποιήθηκε (ο «Νόμος περί Κινητών Αξιών των ΗΠΑ»). Τα πρόσθετα ομόλογα εκδόθηκαν στο 101,875% για ακαθάριστα έσοδα περίπου 703 εκατομμυρίων δολαρίων ΗΠΑ. Τα έσοδα θα ενισχύσουν περαιτέρω τη διαθέσιμη χρηματοδότηση για επενδύσεις σε μελλοντική ανάπτυξη. Τα πρόσθετα ομόλογα αναμένεται να εισαχθούν στην Επίσημη Λίστα του Διεθνούς Χρηματιστηρίου (The International Stock Exchange).
Σχόλιο Διοίκησης & Αξιολογήσεις Ο Mark Craig, Διευθυντής Επενδύσεων του Ομίλου της Howden, σχολίασε: «Είμαι ενθουσιασμένος με το αποτέλεσμα και την ισχυρή υποστήριξη από τις κεφαλαιαγορές. Αυτή η επιτυχημένη συναλλαγή ακολουθεί την έκδοση ομολόγων υψηλής απόδοσης τον Φεβρουάριο του 2024. Λάβαμε ισχυρή ζήτηση και τιμολογήσαμε την προσφορά πάνω από την ονομαστική αξία (above par), επωφελούμενοι από τη συνεχή εμπιστοσύνη των πιστωτικών επενδυτών στις διαρκείς επιδόσεις και τα αναπτυξιακά σχέδια της Howden». Οι αξιολογήσεις της Howden B2 Stable (Moody’s) και B Stable (S&P) επιβεβαιώθηκαν εκ νέου τον Ιανουάριο του 2026 ως μέρος αυτής της συναλλαγής. Η Howden επωφελείται επίσης από ένα μακροπρόθεσμο προφίλ λήξης ομολόγων χωρίς ουσιαστικές απαιτήσεις αναχρηματοδότησης έως το 2030.
Νομική Αποποίηση Ευθυνών (Disclaimer) Αυτό το δελτίο τύπου προορίζεται μόνο για ενημερωτικούς σκοπούς και δεν αποτελεί προσφορά πώλησης ή πρόσκληση για προσφορά αγοράς κινητών αξιών. Η διανομή αυτού του δελτίου τύπου σε ορισμένες δικαιοδοσίες ενδέχεται να περιορίζεται από το νόμο. Καμία κινητή αξία δεν μπορεί να πωληθεί στις Ηνωμένες Πολιτείες εκτός εάν έχει καταχωρισθεί βάσει του Νόμου περί Κινητών Αξιών των ΗΠΑ ή εξαιρείται από την καταχώριση. Οι κινητές αξίες που περιγράφονται απευθύνονται μόνο σε ειδικευμένους θεσμικούς αγοραστές στις Ηνωμένες Πολιτείες (Κανόνας 144A) και εκτός των Ηνωμένων Πολιτειών σε μη αμερικανικά πρόσωπα (Κανονισμός S). Δεν θα πραγματοποιηθεί δημόσια προσφορά κινητών αξιών στις Ηνωμένες Πολιτείες.
Περιορισμοί για Ιδιώτες Επενδυτές (ΕΟΧ & Ηνωμένο Βασίλειο) Οι κινητές αξίες δεν προορίζονται για προσφορά ή πώληση σε ιδιώτες επενδυτές (retail investors) στον Ευρωπαϊκό Οικονομικό Χώρο (ΕΟΧ) ή στο Ηνωμένο Βασίλειο. Σύμφωνα με τους κανονισμούς MiFID II, PRIIPs και UK PRIIPs, δεν έχει συνταχθεί έγγραφο βασικών πληροφοριών (KID), επομένως η διάθεση αυτών των αξιών σε ιδιώτες επενδυτές ενδέχεται να είναι παράνομη.
Ειδικές Προβλέψεις για το Ηνωμένο Βασίλειο Στο Ηνωμένο Βασίλειο, το παρόν έγγραφο διανέμεται μόνο σε «σχετικά πρόσωπα» (relevant persons), δηλαδή άτομα με επαγγελματική επενδυτική εμπειρία ή εταιρείες υψηλής καθαρής θέσης. Άτομα που δεν ανήκουν σε αυτές τις κατηγορίες δεν πρέπει να βασίζονται σε αυτό το δελτίο τύπου.
Σταθεροποίηση Αγοράς Σε σχέση με την προσφορά, ο διαχειριστής σταθεροποίησης ενδέχεται να προβεί σε συναλλαγές σταθεροποίησης ή κάλυψης πωλήσεων (syndicate covering transactions) για τη διατήρηση της τιμής των αξιών, χωρίς ωστόσο αυτό να είναι εγγυημένο ή υποχρεωτικό να συνεχιστεί.
Δηλώσεις που αφορούν το Μέλλον (Forward Looking Statements) Αυτό το δελτίο τύπου περιλαμβάνει «δηλώσεις που αφορούν το μέλλον» οι οποίες βασίζονται στις τρέχουσες απόψεις, υποθέσεις και προσδοκίες του Ομίλου. Αυτές οι δηλώσεις περιλαμβάνουν όρους όπως «πιστεύει», «εκτιμά», «σχεδιάζει», «αναμένει» κ.λπ. Λόγω της φύσης τους, εμπεριέχουν κινδύνους και αβεβαιότητες, και τα πραγματικά αποτελέσματα ενδέχεται να διαφέρουν σημαντικά από τα προβλεπόμενα. Ο Όμιλος δεν αναλαμβάνει καμία υποχρέωση επικαιροποίησης αυτών των δηλώσεων, εκτός εάν απαιτείται από τον νόμο.
Robert Kennedy appointed to succeed Carl Shuker as CEO, Howden UK & Ireland
Howden, the global insurance intermediary group, has announced the appointment of Robert Kennedy as CEO, Howden UK & Ireland. Kennedy will take up his new position on 1 October 2025, reporting into CEO David Howden, while Carl Shuker will become Deputy Chairman of Howden UK & Ireland.
Currently CEO of Howden Ireland, Kennedy joined Aston Lark in 2020. He also brings a depth of experience from previous leadership positions across the industry including at Aston Lark prior to its acquisition by Howden, Aviva, RSA and Aon.
Carl Shuker will transition into the role of Deputy Chairman, having spent 13 years as CEO of A-Plan and a subsequent four years as CEO of Howden UK & Ireland, following A-Plan’s acquisition by Howden in 2021. In his new position, Shuker will remain closely involved with Howden UK & Ireland and will continue to support Kennedy in the next stages of Howden’s growth journey.
David Howden, CEO, Howden, said: “Rob has built a leading, full-spectrum broker in the Irish market over the last five years. With an incredibly exciting future ahead for our UK & Ireland business, I couldn’t be more pleased that we have extraordinary talent like Rob, an entrepreneur of our own, to lead it through the next phase of integration, growth and acceleration. He will take over a standout broking business from Carl, which is delivering solutions to millions of clients providing personal and commercial lines insurance, employee benefits and pensions advisory, and mortgage and wealth advice, operating from the high street and from offices the length and breadth of the country.
“When I first met Carl, his deep commitment to empowering great people to delight their clients and be major contributors to their communities was clear from the outset. We were thrilled when he chose to make Howden A-Plan’s long-term home. It is a business which has always bucked the trends and delivered results like no other. Since he joined us he has brought the UK&I businesses together to build a UK&I powerhouse, and his 45 years in the industry is one of the best examples of people-first, ambitious growth that you will find. The business will continue to benefit from his strategic counsel in his new role as Deputy Chairman.”
Robert Kennedy, newly appointed CEO of Howden UK & Ireland, commented: “I am deeply honoured to assume the role of CEO at the leading insurance broker across the UK and Ireland. This region holds a critical position in delivering Howden’s global strategic objectives, and I am excited to lead our exceptional teams through the next phase of growth. My immediate priorities will be to strengthen collaboration across all our teams to bring the best of Howden to every client and to enhance our infrastructure, ensuring we continue to deliver outstanding service to our clients with greater speed and efficiency. I would also like to acknowledge Carl’s outstanding leadership and am grateful to have the opportunity to benefit from his extensive experience during this transition.”
Carl Shuker, CEO, Howden UK&I, added: “After an amazingly enjoyable 45 years in the industry, starting at A-Plan as a fresh faced 19-year-old and eventually becoming CEO of Howden UK&I, I am delighted to pass the reins to Rob to lead us into the next chapter. The people in this business make it the special place that it is, and I am so incredibly proud of them. I’m looking forward to supporting Rob to deliver on our strengths as we do even more together.”
Kennedy’s appointment is subject to regulatory approval.
Howden strengthens credit risk capabilities in Europe with Granular Investments acquisition
Howden announced the acquisition of Granular Investments Limited and Granular Investments EU SAS. This transaction strengthens Howden’s credit risk transfer capabilities in Europe and enhances Howden’s product offerings for large financial institutions.
Founded in 2019 by Giuliano Giovannetti and Richard Sullivan, Granular Investments is an intermediary and advisor in credit risk transfer and capital relief, specialising in synthetic securitisation and single-name credit risk solutions for banks and insurers.
This transaction strengthens Howden’s presence in the credit risk transfer space in Europe, for the benefit of banks, insurers and the wider economy. Giuliano and Richard will be working closely with the global credit and political risk team and capabilities within Howden CAP, further building out Howden’s strength in this specialised area.
Alessandro Minucci, Head of Financial Institutions, Howden Europe, said: “I am delighted to welcome Giuliano and Richard to Howden. Their decades of experience working with banks and insurers as peers, combined with their deep regulatory expertise and strong track record, will be instrumental in broadening insurer participation in the credit risk-sharing market alongside banks and funds – to the benefit of the real economy.”
Giuliano Giovannetti and Richard Sullivan, Co-founders of Granular Investments, added: “Joining Howden is an exciting next step for us. Granular Investments was built on competence and trust with both insurers and banks, and at Howden, we have found a team of experienced, like-minded entrepreneurs, working together with a shared focus on delivering for clients. As part of Howden, we will expand the range of our solutions and our reach, engaging both global insurers and local financial institutions. Howden has seen extraordinary growth in recent years, and we are excited to be part of its future.”
Luigi Sturani, CEO, Howden Europe, commented: “At Howden, we continue to build a business that attracts the best talent, the most innovative teams, and the strongest expertise in the market. The acquisition of Granular Investments is a prime example of that ambition in action. Giuliano and Richard’s decision to join us reflects the compelling opportunity we offer – an entrepreneurial environment with global reach, where experienced professionals can thrive. Their expertise in credit risk transfer and securitisation enhances our ability to provide cutting-edge solutions for banks and insurers, reinforcing Howden’s position as the partner of choice for financial institutions across Europe.”